Scottsburg Building and Loan Association: how it compares with its peers
Against 8 IN banks with half to twice its assets, Scottsburg Building and Loan Association's strongest measure in Q2 2026 is assets per employee ($9.6M vs. a $5.4M peer median). Its weakest relative measure is net interest margin (2.64% vs. 3.86%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.30% | 0.64% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.64% | 3.86% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.12% | 72.81% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $5.4M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.97% | 94.22% | Context |
What it means for lending operations
Its efficiency ratio of 77.12% is above the 72.81% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Boonville Federal Savings Bank Boonville, IN · $72M
- First Federal Savings Bank of Washington Washington, IN · $94M
- The Fairmount State Bank Fairmount, IN · $57M
- Peoples Community Bank SB of Monticello, Indiana Monticello, IN · $43M
- Farmers and Mechanics Federal Savings Bank Bloomfield, IN · $114M
- CentreBank Veedersburg, IN · $120M
Questions about Scottsburg Building and Loan Association
How big is Scottsburg Building and Loan Association?
Scottsburg Building and Loan Association, established in 1889, is headquartered in Scottsburg, IN. It reported $77M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Scottsburg Building and Loan Association's return on assets?
0.30% annualized in Q2 2026, against a 0.64% median for 8 IN banks with half to twice its assets, ahead of 25% of them.
What is Scottsburg Building and Loan Association's efficiency ratio?
77.12% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 72.81%, and lower is better.
Is Scottsburg Building and Loan Association growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.